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This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.
= Consume(er)ium list of alternative financial services lists =
 
This is the Consume(er)ium list of [[w:alternative financial services]] lists.
http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here.
 
= Consum(er)ium list of alternative financial services lists =


Spectrum of consumer finance
Spectrum of consumer finance


[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan
[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|Payday loan]] -> Consumer finance -> [[w:Peer-to-peer lending|Peer-to-peer loan]] -> credit card debt -> bank loan


== What is alternative finance? What are alternative financial services? ==  
== What is alternative finance? What are alternative financial services? ==  
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* APR can range from '''hundreds of percent''' to '''few tens''' of percent. Credit card debt is usually in the 10-15% zone.
* APR can range from '''hundreds of percent''' to '''few tens''' of percent. Credit card debt is usually in the 10-15% zone.


== Peer-to-peer lending, peer-to-peer investing and socially responsible investing ==
== Peer-to-peer lending and peer-to-peer investing ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending.|Wikipedia|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}
{{Q|'''[[w:Peer-to-peer lending|Peer-to-peer lending]]''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending.|Wikipedia|peer-to-peer lending}}
 
{{Q|'''Peer-to-peer investing''' ('''P2PI''') is the practice of investing money in notes to borrowers who are requesting a loan without going through a traditional [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}
 
{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}
 
{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}


{{Q|An '''[[w:ethical bank|ethical bank]]''', also known as a '''social''', '''alternative''', '''civic''', or '''sustainable bank''', is a bank concerned with the social and environmental impacts of its investments and loans. The ethical banking movement includes: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}
{{Q|'''Peer-to-peer investing''' ('''P2PI''') is the practice of investing money in notes to borrowers who are requesting a loan without going through a traditional [[financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing]]}}


== Microfinance and microcredit ==
== Microfinance and microcredit ==
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:: More reading [[w:Impact of microcredit|Impact of microcredit]]
:: More reading [[w:Impact of microcredit|Impact of microcredit]]


----
* https://www.zidisha.org/ - microcredit [[w:Zidisha]]


= Multiple countries / global =
== Socially responsible investing ==  
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
 
* http://www.energyincommon.org/ - [[w:Energy in Common]] microloans for renewable energy solutions
{{Q|An '''[[w:ethical bank|ethical bank]]''', also known as a '''social''', '''alternative''', '''civic''', or '''sustainable bank''', is a bank concerned with the social and environmental impacts of its investments and loans. The ethical banking movement includes: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia


= Asia =
= Asia =


== Australia ==
== Australia ==
=== List of P2P financial services in Australia ===
== List of P2P financial services in Australia ==
* https://www.societyone.com.au/
* https://www.societyone.com.au/


== China ==
== China ==
=== List of P2P financial services in China ===
== List of P2P financial services in China ==
* http://chinarapidfinance.com/
* China Rapid Finance
* http://english.creditease.cn/
* CreditEase
* https://www.lu.com/ - [[w:Lufax]]
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* Tuandai
* https://www.dianrong.com/ [[w:Dianrong.com]]
* DianRong
* https://m.wolaidai.com/ by http://www.welab.co/
* https://m.wolaidai.com/ by http://www.welab.co/


== Hong Kong ==
== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
== List of P2P financial services in Honk Kong ==
* https://www.welend.hk/ by http://www.welab.co/
* https://www.welend.hk/ by http://www.welab.co/


== India ==
== India ==
=== List of P2P financial services in India ===
== List of P2P financial services in India ==
* http://i2ifunding.com
* https://www.i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance


== New Zealand ==
== New Zealand ==
=== List of P2P financial services in New Zealand ===
== List of P2P financial services in New Zealand ==
* https://www.harmoney.co.nz/ - [[w:Harmoney]]
* https://www.harmoney.co.nz/ - [[w:Harmoney]]


== Singapore ==
== Singapore ==
=== List of P2P financial services in Singapore ===
== List of P2P financial services in Singapore ==
* https://www.fundingsocieties.com/
* https://www.fundingsocieties.com/
== United Arab Emirates ==
== List of P2P financial services in UAE ==
* https://www.beehive.ae/


= Europe =
= Europe =
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=== List of P2P financial services in Estonia ===
=== List of P2P financial services in Estonia ===
* https://www.bondora.ee/
* https://www.bondora.ee/
* https://crowdestate.eu/ (2014)
* Estateguru (2014), Crowdestate (2014), MoneyZen (2014), Investly (2014) and Fundwise (2015).
* https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)


== Finland ==
== Finland ==
=== List of Finnish alternative financial services lists ===
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].
* http://www.kuluttajaluotot.com/
* http://www.lainaa-netista.com/
* http://vippi.biz/vippivertailu/


=== List of P2P financial services in Finland ===
=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://fixura.fi/
* https://www.lainaaja.fi/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)
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* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques  »


== Germany ==  
== Germany ==  
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* http://prestiamoci.it/
* http://prestiamoci.it/
* http://www.smartika.it
* http://www.smartika.it
== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/


== Poland ==
== Poland ==
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=== List of UK alternative financial services lists ===
=== List of UK alternative financial services lists ===


=== List of P2P financial services in UK ===
 
=== Lists of P2P financial services in UK ===
* https://www.assetzcapital.co.uk/ [[w:Assetz Capital]]
* https://www.assetzcapital.co.uk/ [[w:Assetz Capital]]
* https://www.folk2folk.com/ [[w:Folk2Folk]]
* https://www.folk2folk.com/ [[w:Folk2Folk]]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingknight.com/
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.savingstream.co.uk/
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]  
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]  
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth


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* http://www.p2pmoney.co.uk/companies.htm
* http://www.p2pmoney.co.uk/companies.htm
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]
= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* https://www.blender.co.il/ consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* https://www.incredita.co.il consumer loans
* TARYA consumer loans
== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/


= North America =  
= North America =  
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=== Lists of P2P financial services in USA ===
=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]
* https://www.upstart.com/ [[w:Upstart (company)]]
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